I'm horrible with money

and it's really starting to effect my life. I owe so many people money it's awful. I feel so out of control but then have to borrow more money to keep up with what I owe. It's ridiculous and I can't remember when it started. Life has been so hurtin' lately. I'm living on basically 10 dollars a day right now. I calculated it roughly and I'm pretty sure that's being generous. I want more for my life and I'm really stuck in a rut. I want to be more responsible, I really do so why is it so hard to just DO IT? I disappoint myself on the daily.

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Hi there!

Sep 29, 2016 at 7:43am

it sucks what that you going thru this. That's awful. If you'd like there is Credit Counselling Society. Consultation with them is free:

Credit Counselling Society
Credit Counseling Service
1140 W Pender St #495 · (604) 527-8999
Open until 8:00 PM

Credit Counselling Society
Credit Counseling Service
3665 Kingsway · (604) 527-8999
Open until 8:00 PM

I hope this advice is of help. I understand what you are going thru. You are strong and will be ok, i assure you. Life tests us in different ways. Sending you numerous thoughts and warm loving wishes of peace of mind and debt resolution; it will happen for you, you will see. If you know who i am, or anyone else you can confide in, feel free to talk to me or them. Talking to a person who truly cares about you and your wellbeing unconditionally without judgment or bias or forceful advice, is also a good step

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Eliminate...

Sep 29, 2016 at 1:20pm

....vice. I won't assume that you have many but if you do then its time to cut them. When you've dug yourself into a hole.... its time to stop digging.

Don't drink, don't smoke, don't eat out, stop by social functions like bdays etc... just to say "Hi" and leave. It may suck but you have live in reality. You can't afford these things.

Are you living on $10 a day after rent and bills are paid? Because $70 /week can provide you with fantastic meals each day if you spend it wisely at the market or grocery store... learn to cook.

Work out in the park or anywhere outside, then go home and eat dinner. A friend will likely give you a netflix password. Work a minimum wage job (you should be able to find one.... that's about $50/day at part time ours)

One day per month at the end of the month, get a take out pizza or some other food you enjoy and $10 worth of vice... enjoy that day then get back to the grind.

You can basically walk anywhere in the city... you don't need to spend too bigly on transit.

I've lived on less than $10... in downtown Vancouver. Just live super lean. You'll drop weight eating just veggies and not drinking. Work out every day outside is good for your mental health too. In a few months a door will open up and things will get better. Hopefully. I don't know your whole story though.

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4ever Friend

Sep 29, 2016 at 9:27pm

Pay your friends back. They will appreciate it.

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Now!

Oct 1, 2016 at 9:15am

Go to fancy restaurant to be seen.

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